The temporary credit line of Agricultural Bank of China cannot be directly converted into a fixed credit line. Banks grant their basic customers a certain amount of credit line, that is, enterprises can recover so much money within the specified time.

For example, when an enterprise applies for an export bill of exchange of US$ 2 million a year, it can use the amount of US$ 6,543.8+million for five times and 10 times, and it can use the amount of RMB 20 million. On the one hand, it solves the short-term cash flow difficulties of enterprises, improves the capital turnover speed of enterprises and improves the efficiency of capital use of enterprises.

Extended data:

Methods of increasing credit limit

1. Fully prepare all kinds of asset certificates.

At the beginning of the application, because you don't have any consumer credit records in the bank, the bank will evaluate your various income assets and then decide how much credit line to give you. If you want to greatly increase the credit limit when applying, you should carefully prepare all kinds of credit certificates, and don't bother. You should submit all income certificates, real estate certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates to the bank.

Fill in the details of the form carefully. ?

When filling out the application form, there are several small details that affect the credit line, such as whether you have a fixed telephone number in this city, whether this number is registered in your own name or in the name of your family, whether you are married, whether your mobile phone number has a monthly rent, and whether it is a local account.

If the above answers are yes, the bank will greatly increase your credit evaluation, but every condition is not absolute, except that it is relatively easy to pass the qualification examination and the initial application for increasing the consumption limit. Consumer credit and repayment credit are still the most important for banks.

Don't forget to swipe your card anytime and anywhere.

During the period of using the card, you should swipe your card more. Try to choose a shop that swipes your card. The more frequently you use it, there will be a relatively stable consumption quota every month, just changing the original habit of cash consumption to credit card. This shows your loyalty to the bank. The bank's information system will count your credit card frequency and limit, and will automatically increase your credit limit in about half a year.

Baidu encyclopedia-credit line